National Umbrella Day:
Get the Right Insurance for a Rainy Day

Before we know it, winter will end, and spring will usher in a deluge of rain. As a result, the Powers-That-Be have designated February 10 as National Umbrella Day.  So, we’re taking this opportunity to talk about another kind of umbrella—one that will protect more than your body in a rainstorm. It will safeguard your business or way of life during a crisis.  Today, we want to introduce you to umbrella insurance.

What is umbrella insurance?


Commercial and personal umbrella insurance offers liability protection above and beyond your current policies; it can even expand your protection. At Hibbs, we highly recommend this kind of coverage—especially for businesses and policyholders with youthful drivers.

Personal Umbrella Insurance


Personal umbrella insurance extends your limits on home, auto, and other policies and gives you more peace of mind about your security and your family’s future.

At any moment, you or your family members could cause a serious car accident, and your liability limits might not fully protect your assets against these tragedies. However, your umbrella insurance will kick in once you’ve reached the limits on your original policies, extending liability protection by at least $1 million. It can also cover some claims not included in your other insurance—and it applies to any member of your household.

Commercial Umbrella Insurance

Commercial umbrella insurance is critical for any business operating in today’s world. It extends and broadens the limits of your current policies to help cover the rising cost of lawsuits and fees in case you find yourself in a legal bind. You can even extend those limits even further with excess liability insurance, which we recommend for clients with high loss potential, high-profile, sizable sales, various assets, large auto fleets, worldwide presence, and significant public exposure.

Call us today at 270-554-2105 to talk about the umbrella protection your business or family might need for a rainy day.